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  <channel>
    <title>topic Re: I AM VERY HAPPY in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239303#M80814</link>
    <description>&lt;DIV&gt;&lt;STRONG&gt;That's awesome.&lt;BR /&gt;&lt;BR /&gt;I tried numerous times to work GW with Capital One and was shot down every time. Were the lates accurate or perhaps a mistake?&amp;nbsp;&lt;BR /&gt;&amp;nbsp;&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;Yes, Fretless &amp;nbsp;very accurate, I really begged them on my GW Letter, &lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&amp;nbsp;all lates were on same months on those cards , a bunch of 60 and 90 days late&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I really had wrote down in the letter that i am begging you to remove them, to please give me a second chance, i explained i had no lates in 2yrs and 3 months i was good in my credit obligations&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;i wrote the word beg&amp;nbsp; 6 times, but i did say lates were my fualt, Please forgive me&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I am so happy&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;never did i expect that TU and EXP to be higher then my EQ&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;Again i really thank you all for the advise and help i reveived from all of you&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;</description>
    <pubDate>Fri, 16 May 2008 01:37:34 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-05-16T01:37:34Z</dc:date>
    <item>
      <title>I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239087#M80759</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I looked at my CR &lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;CAP&amp;nbsp; ONE removed about 25 lates in the three old accouts I had with them&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;They removed them from TU and EXP&amp;nbsp; cannot wait till they remove them from EQ&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;A CO from FCNB was removed from all three, ( EXP had it twice they removed it once, need to remove other)&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;EQ 669&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;EXP&amp;nbsp; 675&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;TU&amp;nbsp;&amp;nbsp;&amp;nbsp; 683&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;On April 10, 2005 all my scores were 501&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I thank you all for the help,&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I could not have done this without you guys &lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;THANK YOU&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by ohboy on &lt;SPAN class="date_text"&gt;05-15-2008&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;03:55 PM&lt;/SPAN&gt;</description>
      <pubDate>Thu, 15 May 2008 22:55:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239087#M80759</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-15T22:55:13Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239095#M80760</link>
      <description>&lt;DIV&gt;WOW!!!&amp;nbsp; Congrats!!&amp;nbsp; That's some REAL good news!!!!!!&lt;/DIV&gt;</description>
      <pubDate>Thu, 15 May 2008 22:53:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239095#M80760</guid>
      <dc:creator>unknown_entity</dc:creator>
      <dc:date>2008-05-15T22:53:31Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239096#M80761</link>
      <description>Great progress. Congrats. &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;</description>
      <pubDate>Thu, 15 May 2008 22:53:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239096#M80761</guid>
      <dc:creator>smallfry</dc:creator>
      <dc:date>2008-05-15T22:53:38Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239102#M80762</link>
      <description>&lt;DIV&gt;&lt;FONT size="5" face="Century"&gt;WTG &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/FONT&gt;&lt;/DIV&gt;</description>
      <pubDate>Thu, 15 May 2008 22:57:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239102#M80762</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-15T22:57:26Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239106#M80764</link>
      <description>&lt;DIV&gt;That is AWESOME! Great job!&lt;/DIV&gt;</description>
      <pubDate>Thu, 15 May 2008 23:00:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239106#M80764</guid>
      <dc:creator>islandchild82</dc:creator>
      <dc:date>2008-05-15T23:00:03Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239241#M80794</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;Good for you!&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;You're very close to being a member of the 700 club!!&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I had&amp;nbsp; a FICO of 563 in 04-05 and now have scores 665 EQ&amp;nbsp; 692&amp;nbsp; EX&amp;nbsp; 707 TU&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;This forum has been invaluable and people like us are the proof!!&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Keep up the good work!!&amp;nbsp;&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by rom828 on &lt;SPAN class="date_text"&gt;05-15-2008&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;05:46 PM&lt;/SPAN&gt;</description>
      <pubDate>Fri, 16 May 2008 00:46:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239241#M80794</guid>
      <dc:creator>rom828</dc:creator>
      <dc:date>2008-05-16T00:46:19Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239268#M80802</link>
      <description>&lt;DIV&gt;Wow congrats! News like that from Cap 1 is rare indeed!&lt;/DIV&gt;</description>
      <pubDate>Fri, 16 May 2008 01:09:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239268#M80802</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-16T01:09:07Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239269#M80803</link>
      <description>That's awesome.&lt;BR /&gt;&lt;BR /&gt;I tried numerous times to work GW with Capital One and was shot down every time. Were the lates accurate or perhaps a mistake?</description>
      <pubDate>Fri, 16 May 2008 01:09:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239269#M80803</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-16T01:09:49Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239303#M80814</link>
      <description>&lt;DIV&gt;&lt;STRONG&gt;That's awesome.&lt;BR /&gt;&lt;BR /&gt;I tried numerous times to work GW with Capital One and was shot down every time. Were the lates accurate or perhaps a mistake?&amp;nbsp;&lt;BR /&gt;&amp;nbsp;&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;Yes, Fretless &amp;nbsp;very accurate, I really begged them on my GW Letter, &lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&amp;nbsp;all lates were on same months on those cards , a bunch of 60 and 90 days late&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I really had wrote down in the letter that i am begging you to remove them, to please give me a second chance, i explained i had no lates in 2yrs and 3 months i was good in my credit obligations&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;i wrote the word beg&amp;nbsp; 6 times, but i did say lates were my fualt, Please forgive me&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;I am so happy&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;never did i expect that TU and EXP to be higher then my EQ&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;Again i really thank you all for the advise and help i reveived from all of you&lt;/STRONG&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;STRONG&gt;&lt;/STRONG&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Fri, 16 May 2008 01:37:34 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239303#M80814</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-16T01:37:34Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239486#M80876</link>
      <description>Chief groveler of the FICO Forum. LOL. Whatever works, awsum results. Congrats.</description>
      <pubDate>Fri, 16 May 2008 04:36:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/239486#M80876</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-16T04:36:08Z</dc:date>
    </item>
    <item>
      <title>Re: I AM VERY HAPPY</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/240183#M81082</link>
      <description>&lt;DIV&gt;&lt;FONT size="5" color="#cc0033"&gt;&lt;STRONG&gt;Awwwwwwwww thts awesome I had a 104+ increase my score was 542 before I camped out on this FORUM determined to get better scores and I gotem!!! COnGRATS now remember &lt;U&gt;&lt;FONT color="#330033"&gt;push APPLY&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;nbsp; only if you really need it and make sure its the card you want! &lt;/FONT&gt;&lt;/U&gt;I read the boards and chose from the 90% approval rate and I got them&lt;/STRONG&gt;&lt;/FONT&gt;!&amp;nbsp;&amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 17 May 2008 00:05:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/I-AM-VERY-HAPPY/m-p/240183#M81082</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-05-17T00:05:15Z</dc:date>
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